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If you change the number of cylinders, displacement, or put in an engine that was not the same manufacturer or offered in that car and insurnace finds out they will not pay any of your claims, and you might be dropped.

But to answer your question...I swapped the engine on my scooter, to a larger displacement hemi racing cylinder. It's not worth the hassle to tell insurance.

Call you insurance company first, pretend that you don't have a policy with them, and ask about your situation.

That said, if you choose to do nothing, and you get in an accident and they find out about the engine swap they could deny coverage and not file the claim for you. If your car gets stolen they're obviously not going to replace your engine.

__________________"Driving is like a narcotic, an addiction that can take over lives. It ruins people, breaks families apart, and even kills. Itís habit that needs to be fueled. Time, money, rationality, sweat, knuckle skin, and anyone who disapproves are of little importance to a driver, and are often overlooked. Hi, Iím Nelson, and Iím a drivaholic."

I have a letter from a bmw dealer saying that the engine I have was not available for my year of car( (it was for the etest). Also the cost was cheaper to put another engine& tranny in from the same make . Furthermore That the same body style of car in preceeding years that engine was available. I told the insurance co that I was not concerned with gaining anything for the transplant. There was no problem